Safe Rate Rankings

Best Conventional Mortgage Lenders in Utica

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders33

Total Loans2,008

Median Rate Spread0.33%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	HOMESTEAD FUNDING CORP.Independent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,794Fees	0.156%Above	147
2	SEFCU SERVICES, LLCIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Exceptional	$1,351Fees	0.049%Below	101
3	PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company	Exceptional	Strong	Exceptional	Exceptional	Strong	$1,103Fees	0.291%Above	71
4	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Strong	$1,276Fees	0.106%Below	55
5	AMERICU Credit UnionCredit Union	Exceptional	Strong	Strong	Strong	Exceptional	$1,335Fees	0.090%Above	206
6	KeyBank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Strong	$1,011Fees	0.126%Above	59
7	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$1,757Fees	0.582%Below	13
8	PLAZA HOME MORTGAGE, INC.Independent Mortgage Company	Exceptional	Sound	Exceptional	Strong	Exceptional	$2,679Fees	0.424%Above	188
9	Community Bank, National AssociationBank	Exceptional	Sound	Exceptional	Strong	Exceptional	$325Fees	0.824%Above	125
10	G.P.O. Federal Credit UnionCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$831Fees	0.135%Below	46
11	Geddes Federal Savings and Loan AssociationBank	Exceptional	Strong	Strong	Strong	Strong	$1,861Fees	0.425%Below	26
12	UTICA GAS & ELECTRIC EMP CREDIT UNIONCredit Union	Exceptional	Exceptional	Acceptable	Strong	Strong	$0Fees	0.046%Below	23
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,453Fees	0.767%Above	200
14	Adirondack BankBank	Strong	Sound	Strong	Strong	Exceptional	$1,119Fees	0.195%Above	149
15	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Strong	$3Credit	0.359%Above	78
16	Berkshire BankBank	Strong	Exceptional	Sound	Sound	Sound	$1,218Fees	0.062%Below	22
17	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,284Fees	0.858%Above	14
18	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,426Fees	0.347%Above	14
19	FIRST SOURCECredit Union	Strong	Acceptable	Strong	Strong	Exceptional	$1,029Fees	0.043%Above	138
20	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,555Fees	0.592%Above	52
21	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,499Fees	0.399%Above	26
22	Genesee Regional BankBank	Strong	Acceptable	Exceptional	Exceptional	Sound	$2,129Fees	0.394%Above	19
23	HUNT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$3,794Fees	0.665%Above	50
24	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,960Fees	0.314%Above	27
25	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,409Fees	0.615%Above	16
26	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$2,648Fees	0.720%Above	21
27	Farm Credit East, ACAIndependent Mortgage Company	Strong	Sound	Sound	Sound	Sound	$1,627Fees	0.309%Above	21
28	EVERETT FINANCIAL, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$1,654Fees	0.590%Above	14
29	ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$2,684Fees	1.267%Above	10

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.